Thailand Home Loan Calculator — Monthly Payment & Schedule

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calcthai.com · Thailand Home Loan Calculator

Amortisation schedule

Payment	Amount	Interest	Principal	Balance
1	16,188	13,500	2,688	2,697,312
2	16,188	13,487	2,701	2,694,611
3	16,188	13,473	2,715	2,691,896
4	16,188	13,459	2,728	2,689,168
5	16,188	13,446	2,742	2,686,426
6	16,188	13,432	2,756	2,683,670
7	16,188	13,418	2,770	2,680,900
8	16,188	13,405	2,783	2,678,117
9	16,188	13,391	2,797	2,675,320
10	16,188	13,377	2,811	2,672,508
11	16,188	13,363	2,825	2,669,683
12	16,188	13,348	2,839	2,666,844
13	16,188	13,334	2,854	2,663,990
14	16,188	13,320	2,868	2,661,122
15	16,188	13,306	2,882	2,658,240
16	16,188	13,291	2,897	2,655,343
17	16,188	13,277	2,911	2,652,432
18	16,188	13,262	2,926	2,649,506
19	16,188	13,248	2,940	2,646,566
20	16,188	13,233	2,955	2,643,611
21	16,188	13,218	2,970	2,640,641
22	16,188	13,203	2,985	2,637,657
23	16,188	13,188	3,000	2,634,657
24	16,188	13,173	3,015	2,631,642
25	16,188	13,158	3,030	2,628,613
26	16,188	13,143	3,045	2,625,568
27	16,188	13,128	3,060	2,622,508
28	16,188	13,113	3,075	2,619,433
29	16,188	13,097	3,091	2,616,342
30	16,188	13,082	3,106	2,613,236
31	16,188	13,066	3,122	2,610,114
32	16,188	13,051	3,137	2,606,977
33	16,188	13,035	3,153	2,603,824
34	16,188	13,019	3,169	2,600,655
35	16,188	13,003	3,185	2,597,470
36	16,188	12,987	3,201	2,594,270
37	16,188	12,971	3,217	2,591,053
38	16,188	12,955	3,233	2,587,821
39	16,188	12,939	3,249	2,584,572
40	16,188	12,923	3,265	2,581,307
41	16,188	12,907	3,281	2,578,026
42	16,188	12,890	3,298	2,574,728
43	16,188	12,874	3,314	2,571,414
44	16,188	12,857	3,331	2,568,083
45	16,188	12,840	3,347	2,564,735
46	16,188	12,824	3,364	2,561,371
47	16,188	12,807	3,381	2,557,990
48	16,188	12,790	3,398	2,554,592
49	16,188	12,773	3,415	2,551,177
50	16,188	12,756	3,432	2,547,745
51	16,188	12,739	3,449	2,544,296
52	16,188	12,721	3,466	2,540,830
53	16,188	12,704	3,484	2,537,346
54	16,188	12,687	3,501	2,533,845
55	16,188	12,669	3,519	2,530,326
56	16,188	12,652	3,536	2,526,790
57	16,188	12,634	3,554	2,523,236
58	16,188	12,616	3,572	2,519,665
59	16,188	12,598	3,590	2,516,075
60	16,188	12,580	3,607	2,512,468
61	16,188	12,562	3,626	2,508,842
62	16,188	12,544	3,644	2,505,198
63	16,188	12,526	3,662	2,501,537
64	16,188	12,508	3,680	2,497,856
65	16,188	12,489	3,699	2,494,158
66	16,188	12,471	3,717	2,490,441
67	16,188	12,452	3,736	2,486,705
68	16,188	12,434	3,754	2,482,951
69	16,188	12,415	3,773	2,479,178
70	16,188	12,396	3,792	2,475,386
71	16,188	12,377	3,811	2,471,575
72	16,188	12,358	3,830	2,467,745
73	16,188	12,339	3,849	2,463,896
74	16,188	12,319	3,868	2,460,027
75	16,188	12,300	3,888	2,456,139
76	16,188	12,281	3,907	2,452,232
77	16,188	12,261	3,927	2,448,306
78	16,188	12,242	3,946	2,444,359
79	16,188	12,222	3,966	2,440,393
80	16,188	12,202	3,986	2,436,407
81	16,188	12,182	4,006	2,432,401
82	16,188	12,162	4,026	2,428,376
83	16,188	12,142	4,046	2,424,330
84	16,188	12,122	4,066	2,420,263
85	16,188	12,101	4,087	2,416,177
86	16,188	12,081	4,107	2,412,070
87	16,188	12,060	4,128	2,407,942
88	16,188	12,040	4,148	2,403,794
89	16,188	12,019	4,169	2,399,625
90	16,188	11,998	4,190	2,395,436
91	16,188	11,977	4,211	2,391,225
92	16,188	11,956	4,232	2,386,993
93	16,188	11,935	4,253	2,382,740
94	16,188	11,914	4,274	2,378,466
95	16,188	11,892	4,296	2,374,171
96	16,188	11,871	4,317	2,369,854
97	16,188	11,849	4,339	2,365,515
98	16,188	11,828	4,360	2,361,155
99	16,188	11,806	4,382	2,356,773
100	16,188	11,784	4,404	2,352,369
101	16,188	11,762	4,426	2,347,943
102	16,188	11,740	4,448	2,343,494
103	16,188	11,717	4,470	2,339,024
104	16,188	11,695	4,493	2,334,531
105	16,188	11,673	4,515	2,330,016
106	16,188	11,650	4,538	2,325,478
107	16,188	11,627	4,560	2,320,918
108	16,188	11,605	4,583	2,316,335
109	16,188	11,582	4,606	2,311,728
110	16,188	11,559	4,629	2,307,099
111	16,188	11,535	4,652	2,302,447
112	16,188	11,512	4,676	2,297,771
113	16,188	11,489	4,699	2,293,072
114	16,188	11,465	4,723	2,288,350
115	16,188	11,442	4,746	2,283,603
116	16,188	11,418	4,770	2,278,834
117	16,188	11,394	4,794	2,274,040
118	16,188	11,370	4,818	2,269,222
119	16,188	11,346	4,842	2,264,381
120	16,188	11,322	4,866	2,259,515
121	16,188	11,298	4,890	2,254,624
122	16,188	11,273	4,915	2,249,710
123	16,188	11,249	4,939	2,244,770
124	16,188	11,224	4,964	2,239,806
125	16,188	11,199	4,989	2,234,817
126	16,188	11,174	5,014	2,229,804
127	16,188	11,149	5,039	2,224,765
128	16,188	11,124	5,064	2,219,701
129	16,188	11,099	5,089	2,214,611
130	16,188	11,073	5,115	2,209,497
131	16,188	11,047	5,140	2,204,356
132	16,188	11,022	5,166	2,199,190
133	16,188	10,996	5,192	2,193,998
134	16,188	10,970	5,218	2,188,780
135	16,188	10,944	5,244	2,183,536
136	16,188	10,918	5,270	2,178,266
137	16,188	10,891	5,297	2,172,970
138	16,188	10,865	5,323	2,167,647
139	16,188	10,838	5,350	2,162,297
140	16,188	10,811	5,376	2,156,921
141	16,188	10,785	5,403	2,151,517
142	16,188	10,758	5,430	2,146,087
143	16,188	10,730	5,457	2,140,630
144	16,188	10,703	5,485	2,135,145
145	16,188	10,676	5,512	2,129,633
146	16,188	10,648	5,540	2,124,093
147	16,188	10,620	5,567	2,118,526
148	16,188	10,593	5,595	2,112,930
149	16,188	10,565	5,623	2,107,307
150	16,188	10,537	5,651	2,101,656
151	16,188	10,508	5,680	2,095,976
152	16,188	10,480	5,708	2,090,268
153	16,188	10,451	5,737	2,084,532
154	16,188	10,423	5,765	2,078,767
155	16,188	10,394	5,794	2,072,973
156	16,188	10,365	5,823	2,067,150
157	16,188	10,336	5,852	2,061,297
158	16,188	10,306	5,881	2,055,416
159	16,188	10,277	5,911	2,049,505
160	16,188	10,248	5,940	2,043,565
161	16,188	10,218	5,970	2,037,595
162	16,188	10,188	6,000	2,031,595
163	16,188	10,158	6,030	2,025,565
164	16,188	10,128	6,060	2,019,505
165	16,188	10,098	6,090	2,013,415
166	16,188	10,067	6,121	2,007,294
167	16,188	10,036	6,151	2,001,143
168	16,188	10,006	6,182	1,994,960
169	16,188	9,975	6,213	1,988,747
170	16,188	9,944	6,244	1,982,503
171	16,188	9,913	6,275	1,976,228
172	16,188	9,881	6,307	1,969,921
173	16,188	9,850	6,338	1,963,583
174	16,188	9,818	6,370	1,957,213
175	16,188	9,786	6,402	1,950,811
176	16,188	9,754	6,434	1,944,377
177	16,188	9,722	6,466	1,937,911
178	16,188	9,690	6,498	1,931,413
179	16,188	9,657	6,531	1,924,882
180	16,188	9,624	6,563	1,918,319
181	16,188	9,592	6,596	1,911,723
182	16,188	9,559	6,629	1,905,093
183	16,188	9,525	6,662	1,898,431
184	16,188	9,492	6,696	1,891,735
185	16,188	9,459	6,729	1,885,006
186	16,188	9,425	6,763	1,878,243
187	16,188	9,391	6,797	1,871,446
188	16,188	9,357	6,831	1,864,616
189	16,188	9,323	6,865	1,857,751
190	16,188	9,289	6,899	1,850,852
191	16,188	9,254	6,934	1,843,918
192	16,188	9,220	6,968	1,836,950
193	16,188	9,185	7,003	1,829,947
194	16,188	9,150	7,038	1,822,909
195	16,188	9,115	7,073	1,815,836
196	16,188	9,079	7,109	1,808,727
197	16,188	9,044	7,144	1,801,583
198	16,188	9,008	7,180	1,794,403
199	16,188	8,972	7,216	1,787,187
200	16,188	8,936	7,252	1,779,935
201	16,188	8,900	7,288	1,772,647
202	16,188	8,863	7,325	1,765,322
203	16,188	8,827	7,361	1,757,961
204	16,188	8,790	7,398	1,750,563
205	16,188	8,753	7,435	1,743,128
206	16,188	8,716	7,472	1,735,655
207	16,188	8,678	7,510	1,728,146
208	16,188	8,641	7,547	1,720,599
209	16,188	8,603	7,585	1,713,014
210	16,188	8,565	7,623	1,705,391
211	16,188	8,527	7,661	1,697,730
212	16,188	8,489	7,699	1,690,031
213	16,188	8,450	7,738	1,682,293
214	16,188	8,411	7,776	1,674,517
215	16,188	8,373	7,815	1,666,702
216	16,188	8,334	7,854	1,658,847
217	16,188	8,294	7,894	1,650,954
218	16,188	8,255	7,933	1,643,020
219	16,188	8,215	7,973	1,635,048
220	16,188	8,175	8,013	1,627,035
221	16,188	8,135	8,053	1,618,982
222	16,188	8,095	8,093	1,610,889
223	16,188	8,054	8,133	1,602,756
224	16,188	8,014	8,174	1,594,582
225	16,188	7,973	8,215	1,586,367
226	16,188	7,932	8,256	1,578,111
227	16,188	7,891	8,297	1,569,814
228	16,188	7,849	8,339	1,561,475
229	16,188	7,807	8,380	1,553,094
230	16,188	7,765	8,422	1,544,672
231	16,188	7,723	8,465	1,536,207
232	16,188	7,681	8,507	1,527,701
233	16,188	7,639	8,549	1,519,151
234	16,188	7,596	8,592	1,510,559
235	16,188	7,553	8,635	1,501,924
236	16,188	7,510	8,678	1,493,246
237	16,188	7,466	8,722	1,484,524
238	16,188	7,423	8,765	1,475,759
239	16,188	7,379	8,809	1,466,950
240	16,188	7,335	8,853	1,458,097
241	16,188	7,290	8,897	1,449,199
242	16,188	7,246	8,942	1,440,258
243	16,188	7,201	8,987	1,431,271
244	16,188	7,156	9,032	1,422,239
245	16,188	7,111	9,077	1,413,163
246	16,188	7,066	9,122	1,404,041
247	16,188	7,020	9,168	1,394,873
248	16,188	6,974	9,213	1,385,660
249	16,188	6,928	9,260	1,376,400
250	16,188	6,882	9,306	1,367,094
251	16,188	6,835	9,352	1,357,742
252	16,188	6,789	9,399	1,348,343
253	16,188	6,742	9,446	1,338,896
254	16,188	6,694	9,493	1,329,403
255	16,188	6,647	9,541	1,319,862
256	16,188	6,599	9,589	1,310,274
257	16,188	6,551	9,636	1,300,637
258	16,188	6,503	9,685	1,290,953
259	16,188	6,455	9,733	1,281,219
260	16,188	6,406	9,782	1,271,438
261	16,188	6,357	9,831	1,261,607
262	16,188	6,308	9,880	1,251,727
263	16,188	6,259	9,929	1,241,798
264	16,188	6,209	9,979	1,231,819
265	16,188	6,159	10,029	1,221,790
266	16,188	6,109	10,079	1,211,711
267	16,188	6,059	10,129	1,201,582
268	16,188	6,008	10,180	1,191,402
269	16,188	5,957	10,231	1,181,171
270	16,188	5,906	10,282	1,170,889
271	16,188	5,854	10,333	1,160,556
272	16,188	5,803	10,385	1,150,171
273	16,188	5,751	10,437	1,139,734
274	16,188	5,699	10,489	1,129,245
275	16,188	5,646	10,542	1,118,703
276	16,188	5,594	10,594	1,108,109
277	16,188	5,541	10,647	1,097,461
278	16,188	5,487	10,701	1,086,761
279	16,188	5,434	10,754	1,076,007
280	16,188	5,380	10,808	1,065,199
281	16,188	5,326	10,862	1,054,337
282	16,188	5,272	10,916	1,043,421
283	16,188	5,217	10,971	1,032,450
284	16,188	5,162	11,026	1,021,424
285	16,188	5,107	11,081	1,010,344
286	16,188	5,052	11,136	999,207
287	16,188	4,996	11,192	988,016
288	16,188	4,940	11,248	976,768
289	16,188	4,884	11,304	965,464
290	16,188	4,827	11,361	954,103
291	16,188	4,771	11,417	942,686
292	16,188	4,713	11,474	931,212
293	16,188	4,656	11,532	919,680
294	16,188	4,598	11,589	908,090
295	16,188	4,540	11,647	896,443
296	16,188	4,482	11,706	884,737
297	16,188	4,424	11,764	872,973
298	16,188	4,365	11,823	861,150
299	16,188	4,306	11,882	849,268
300	16,188	4,246	11,942	837,326
301	16,188	4,187	12,001	825,325
302	16,188	4,127	12,061	813,264
303	16,188	4,066	12,122	801,142
304	16,188	4,006	12,182	788,960
305	16,188	3,945	12,243	776,717
306	16,188	3,884	12,304	764,413
307	16,188	3,822	12,366	752,047
308	16,188	3,760	12,428	739,619
309	16,188	3,698	12,490	727,130
310	16,188	3,636	12,552	714,577
311	16,188	3,573	12,615	701,962
312	16,188	3,510	12,678	689,284
313	16,188	3,446	12,741	676,543
314	16,188	3,383	12,805	663,738
315	16,188	3,319	12,869	650,869
316	16,188	3,254	12,934	637,935
317	16,188	3,190	12,998	624,937
318	16,188	3,125	13,063	611,874
319	16,188	3,059	13,128	598,745
320	16,188	2,994	13,194	585,551
321	16,188	2,928	13,260	572,291
322	16,188	2,861	13,326	558,965
323	16,188	2,795	13,393	545,572
324	16,188	2,728	13,460	532,112
325	16,188	2,661	13,527	518,584
326	16,188	2,593	13,595	504,989
327	16,188	2,525	13,663	491,326
328	16,188	2,457	13,731	477,595
329	16,188	2,388	13,800	463,795
330	16,188	2,319	13,869	449,926
331	16,188	2,250	13,938	435,988
332	16,188	2,180	14,008	421,980
333	16,188	2,110	14,078	407,902
334	16,188	2,040	14,148	393,754
335	16,188	1,969	14,219	379,535
336	16,188	1,898	14,290	365,245
337	16,188	1,826	14,362	350,883
338	16,188	1,754	14,433	336,450
339	16,188	1,682	14,506	321,944
340	16,188	1,610	14,578	307,366
341	16,188	1,537	14,651	292,715
342	16,188	1,464	14,724	277,990
343	16,188	1,390	14,798	263,193
344	16,188	1,316	14,872	248,321
345	16,188	1,242	14,946	233,374
346	16,188	1,167	15,021	218,353
347	16,188	1,092	15,096	203,257
348	16,188	1,016	15,172	188,086
349	16,188	940	15,247	172,838
350	16,188	864	15,324	157,515
351	16,188	788	15,400	142,114
352	16,188	711	15,477	126,637
353	16,188	633	15,555	111,082
354	16,188	555	15,632	95,450
355	16,188	477	15,711	79,739
356	16,188	399	15,789	63,950
357	16,188	320	15,868	48,082
358	16,188	240	15,947	32,135
359	16,188	161	16,027	16,107
360	16,188	81	16,107	0

Ask about this page

The AI assistant answers only questions about the calculator on this page.

Thai home loans use reducing-balance interest, which means the interest each month is charged on the principal you still owe rather than on the original loan. The consequence is that in the early years almost all of your payment goes to interest and very little reduces the balance. That ratio slowly reverses as the loan matures. The schedule below shows exactly where each payment goes.

If you are a foreign buyer, two things are worth knowing before you get too far into the numbers. Thai banks lend to foreigners far less readily than to Thai nationals, and where they do, they usually require a work permit, a documented income in Thailand, and a larger down payment. Many foreign purchases here are made in cash for that reason. It is worth establishing whether you can borrow at all before you plan around a monthly payment.

How it works

The payment formula. The monthly payment comes from the standard annuity formula using the loan amount, the monthly interest rate and the total number of payments. The payment stays the same every month for the whole term, but the split between interest and principal inside it shifts continuously.

Interest each month is the outstanding balance at the start of the month multiplied by the monthly rate. Whatever is left of the payment after interest reduces the principal. Take a 2.7 million baht loan at 6% over 30 years: the first payment carries about 13,500 baht of interest out of roughly 16,200 baht paid, so only about 2,700 baht comes off the balance.

Why the total interest is so large. It is the length of the term. A 30-year loan at 6% pays more in interest than the amount originally borrowed. This is exactly why making extra principal payments, or refinancing once a low introductory rate expires, saves so much: money paid against the principal reduces the interest charged in every month that follows.

Floating rates. Most Thai mortgages are floating, tied to the bank’s MRR or MLR, typically with a promotional rate for the first one to three years before reverting to the standard rate. This calculator assumes a single fixed rate for the whole term, so treat the result as an estimate. For accuracy, calculate each rate period separately using the actual figures the bank has quoted.

Income requirement. Thai banks generally require that total repayments stay under 40% of monthly income. The minimum income shown here is derived from that rule. Existing commitments — a car loan, credit card balances — reduce what you will actually be approved for.

Frequently asked questions

Can a foreigner get a mortgage in Thailand?

It is possible but considerably harder than for a Thai national. Banks that lend to foreigners generally want a work permit, a documented income earned in Thailand, and a larger down payment, and some restrict lending to condominium units. A few international banks and specialist lenders operate in this space on different terms. Because of these constraints, a large share of foreign property purchases in Thailand are cash. Establish what you can borrow before planning around a monthly payment.

What income do I need for this loan?

Thai banks commonly require total repayments to stay within 40% of monthly income, so a payment of 16,000 baht implies income of around 40,000 baht a month. Any existing commitments — a car loan, credit card debt — reduce the amount you will be approved for.

Does paying extra off the principal really help?

Substantially. Interest is charged on the outstanding balance, so an extra payment against the principal reduces the interest in the very next month. Since your regular payment does not change, a larger share of it then goes to principal, and the effect compounds — often finishing the loan years early and saving hundreds of thousands of baht. Check your contract for an early repayment penalty, which Thai lenders commonly apply during the first three years.

How different are 20 and 30 year terms?

A 20-year term has a higher monthly payment but far less total interest, because you are paying interest for ten fewer years. Change the term field above to compare directly. As a general approach, taking the longer term for a lower committed payment and then paying extra when you can is more flexible than locking yourself into a high payment from the start.

Why does my bank quote a different figure?

Mainly because most Thai mortgages float. A typical structure is a low rate for the first three years, then MRR minus a discount. This calculator uses one fixed rate throughout for simplicity. Some banks also calculate interest daily on the actual number of days in each month, which shifts the numbers slightly.

Sources

Rates last verified 25 Aug 2026